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Town-Country National Bank

Debit Cards

For your convenience, TCNB offers MasterCard Debit Cards for both personal and business accounts.

  • Free debit cards issued to new checking account holders
  • Accepted everywhere you see the Mastercard logo
  • Money is deducted from your checking account
  • ATM withdrawals also allow access to savings accounts
  • Access your money 24 hours a day
  • Faster and more convenient than writing checks; use your PIN or sign the receipt
  • Security Features:
    • Cards use chip technology
    • Free Security with 24/7 Fraud Watch Plus monitoring
    • Free MasterCard Secure Code available with participating online merchants
    • Free My Mobile Money smartphone app gives you control over your card: set alerts, view card activity, turn your card off and on, set spending limits, and locate an ATM


ATM Cards

  • For the customer who just wants cash access at an ATM without the purchasing power of a debit card.


FraudWatch Plus


If fraud is suspected on your debit card our Elan FraudWatch Plus services may contact you. If unable to reach you they will leave a voice message on the phone number you have on file with TCNB. You will be unable to use your card until suspicious activity has been resolved.

This is the standardized message that will be left:

"Hello, this is (fraud advisor name) with Fraud Prevention Services calling on behalf of Town-Country National Bank and this message is for (cardholder’s name). We need to discuss an important matter with you regarding activity on your card ending in (last 4 digits of card number). Please call us immediately at 866-842-5208 to prevent difficulties using your card. We are open 24 hours a day; 7 days a week and any representative can assist you. Again, our toll free number is 866-842-5208. Thank you and have a great day. When applicable, if you are out of the country, please call our collect number at 412-552-2697."

Suspicious Activity


Fraud Prevention Services is available around the clock, 365 days a year to help you. If you suspect suspicious activity on your card please call immediately

Domestic: 866-842-5208, International: 412-552-2697

Lost or Stolen Debit Cards

It is important to report your lost or stolen card immediately. Hotcarding services is available around the clock, 365 days a year!

Domestic: 800-264-5578, International: 412-552-2698

Fraud Protection


TCNB is committed to protect our customers BEFORE fraud occurs.  Because of this commitment, we have taken the following actions:


  • Signature based transactions are blocked in ALL states EXCEPT ALABAMA, and all countries outside the United States. A Signature based transaction is when the debit card is processed by the merchant as a credit card and requires a signature instead of a PIN.
  • Know your PIN before you travel outside the state or country. ALL PIN transactions whether for ATM Access or for purchases will not be blocked.
  • Receive a temporary or permanent exemption from this policy. Some merchants only accept debit cards as credit card transactions, so call customer service at 334-682-4155 or 1-877-418-6411 before traveling out of state or out of the country.  
  • Fraud Watch Plus monitors your ATM and debit card transactions for potentially fraudulent activity such as:
    • a sudden change in location
    • a sudden string of costly purchases
    • any pattern associated with new fraud trends around the world.
  • Provide your current phone number. If fraud is suspected, the customer will receive a call to validate the transaction.  Your response is critical to prevent risk and avoid restrictions on your card.  Please contact customer service whenever your phone number changes.

Customer service is always available to answer any questions regarding this fraud protection service.  If you have any questions, please call customer service at 334-682-4155 or 877-418-6411.


MasterCard SecureCode


How It Works: Secure Online Transactions & Payments

Shop Smarter with MasterCard SecureCode (Opens in a new Window)

There are thousands of participating SecureCode online retailers, and the list continues to grow. Taking advantage of SecureCode is easy: just shop online as you normally would, then use your SecureCode at checkout following these three easy steps:

  1. Enter your MasterCard credit or debit account number at checkout at a participating online retailer.
  1. A secure window from your financial institution will appear, requesting your SecureCode. Simply enter your SecureCode in the secure window. In seconds, your financial institution will authenticate the transaction and confirm that you are the individual making the purchase.
  1. That's it. Once your identity has been authenticated your secure online transaction can be completed.